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Speaker 1: Hello, my name's Santasha Nabananga Bamblet. I'm a proud yor

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Speaker 1: the Order Kerni Whoalbury and a waddery woman. And before

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Speaker 1: we get started on She's on the Money podcast, I

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Speaker 1: would like to acknowledge the traditional custodians of the land

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Speaker 1: of which this podcast is recorded on a wondery country,

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Speaker 1: acknowledging the elders, the ancestors and the next generation coming

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Speaker 1: through as this podcast is about connecting, empowering, knowledge sharing

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Speaker 1: and the storytelling of you to make a difference for

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Speaker 1: today and lasting impact for tomorrow.

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Speaker 2: Let's get into it.

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Speaker 3: She's on the Money, She's on the Money.

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Speaker 2: Hello, and welcome to She's on the Money, the podcast

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Speaker 2: that makes finance fun, especially on Fridays. It is actually

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Speaker 2: our favorite day of the week because we get to

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Speaker 2: get our little team together and celebrate you guys, our

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Speaker 2: incredible She's on the Money community today, mister gour She's

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Speaker 2: got a heap of money wins to share with us.

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Speaker 2: Miss Bech Sayed is going to share her broke TIBs

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Speaker 2: and we'll be helping to answer a money dilemma, which

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Speaker 2: this week is all about navigating buying a property on

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Speaker 2: your own and someone slid into our DMS needing advice

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Speaker 2: on whether you should ask for reduced hours at work

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Speaker 2: to avoid burnout or just push through it. I feel

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Speaker 2: like that's a fickle conversation, but we're going to get

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Speaker 2: there later. Last week on the show, we read out

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Speaker 2: some five star reviews and I got a few dams

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Speaker 2: of people saying, we love this. It's such a positive energy.

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Speaker 2: I think we're going to continue. So I did message

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Speaker 2: you guys before the show and say, please read our

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Speaker 2: reviews and obviously call your mums and friends and stuff

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Speaker 2: to post them, because god forbid we ever run out

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Speaker 2: of five star reviews to read out. But Bech sayed, yes,

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Speaker 2: what do you bring into the table this weight?

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Speaker 4: Okay, so this one is from Tracy, and I really

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Speaker 4: liked this one because I feel like the intro to

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Speaker 4: the show does mention millennials, but this really is a

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Speaker 4: reminder that this is for everyone. Yes, okay, So I'm

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Speaker 4: forty five and have spent so many years feeling ashamed

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Speaker 4: and anxious around my money management abilities. I had none

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Speaker 4: in brackets. I love listening to your advice on the podcast,

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Speaker 4: and the money diresauries are super interesting. So I really

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Speaker 4: like that one because.

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Speaker 5: He from This is from Tracy.

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Speaker 2: Hi, Tracy, Tracy, welcome to the show, and oh my god, no,

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Speaker 2: everyone's welcome. Why we just updated the intro of this

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Speaker 2: episode to the podcast that makes personal finance fun, especially

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Speaker 2: on Fridays, instead of millennials who want financial freedom, because

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Speaker 2: we're more than millennials.

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Speaker 6: Everybody wants financial freedom.

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Speaker 5: By everybody does.

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Speaker 2: I can't find someone who doesn't want to be financially free.

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Speaker 2: Maybe Lucy she is, She's an epo baby. Lucy's my dog.

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Speaker 2: For those of you following the last who might feel

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Speaker 2: a little bit behind, we are not calling a human

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Speaker 2: being an epobaby because that would be rude and I

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Speaker 2: would definitely only do that off Mike, Miss Jess, what

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Speaker 2: have you got?

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Speaker 6: Alrighty? This week I picked out one that says I

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Speaker 6: thought I was relatively good with money until I was

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Speaker 6: recommended this podcast. They simplify complex content into an easy

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Speaker 6: to understand format. I can't believe the difference that this

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Speaker 6: has made to our finances and our thinking. Isn't that

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Speaker 6: so sweet? From a Smith?

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Speaker 2: Oh a Smith, thank you. I always laugh at people's

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Speaker 2: user names because, like sometimes it is their name like

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Speaker 2: yours bec and then sometimes it's like their username that

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Speaker 2: they've made up, like I think mine is like toz

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Speaker 2: dog or something really bad, because like when I got

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Speaker 2: my first iPhone, I would have been like sixteen and

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Speaker 2: I set up my Apple profile, then slippery slope, I reckon.

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Speaker 6: Oh yeah, maybe we can keep an eye out for

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Speaker 6: the funniest user name as well.

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Speaker 5: Yes, if you've got.

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Speaker 2: A funny user name, it is actually time to leave

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Speaker 2: us a five star review. I have one. It is

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Speaker 2: from Mish. I mean, if we're talking about using names,

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Speaker 2: Mish mush is. I think it's really cute too. It's

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Speaker 2: actually one of the things that got me to read

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Speaker 2: it out. But they said thank you for all your advice, wisdom,

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Speaker 2: pep Talk's cheer and of course financial support every week.

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Speaker 2: I love this podcast. In fact, it's the only one

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Speaker 2: I religiously listened.

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Speaker 6: To Oh so cute, very sweet because it's.

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Speaker 2: Practical and relatable. It has helped me improve and set

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Speaker 2: up many financial aspects for my young family. So thank

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Speaker 2: you so much. This podcast has inspired me to look

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Speaker 2: into doing finance courses. The pod is very motivating. One

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Speaker 2: day I dream to meet VD and the team as

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Speaker 2: they are truly, truly incredible. Thank you for your support

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Speaker 2: and help. Is so cute. Oh my gosh, I know,

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Speaker 2: And do you know what I was talking about last week?

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Speaker 2: And I probably shouldn't be sharing on the show, but

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Speaker 2: you get what you get. We were talking about when

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Speaker 2: we can do events again. Yeah, oh yeah, And so

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Speaker 2: like I'm obviously not going to make promises, but obviously

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Speaker 2: last year I had a baby in late February and

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Speaker 2: historically we've always done the International Women's Stay events, which

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Speaker 2: happened to fall in and around the eighth of March,

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Speaker 2: so I was, what ten days postpartum. That was probably

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Speaker 2: not going to work for me. But we're talking about

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Speaker 2: what we can do in the next year because one

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Speaker 2: of the things when we did a little bit of

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Speaker 2: a planning session with the team, one of the things

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Speaker 2: that came out of that was like, we want to

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Speaker 2: get in front of our community. We want to see

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Speaker 2: you guys again. So hopefully mish Mush that happens for

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Speaker 2: us really soon. Yeah, oh my god, not that soon.

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Speaker 2: Imagine if she's on the money Christmas party, that would

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Speaker 2: be really everything would be DIY like.

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Speaker 7: Arts and craft, stocking, stocking, open bar, Corinthians Okay, long.

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Speaker 2: Long leap there. Let's actually get into what was happening

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Speaker 2: in our community this week, Miss Jessicarricci, what money wins

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Speaker 2: are you bringing to the table, all rady.

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Speaker 6: First one this week I have is from Jesse, who

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Speaker 6: said I recently canceled my membership at a yuki studio.

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Speaker 6: They had a six year cancelation fee, which I would

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Speaker 6: have normally been charged. I let them know that the

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Speaker 6: reason I was canceling in the first place was because

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Speaker 6: of financial reasons and asked if they was any opportunity

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Speaker 6: for them to not charge the fee. That's smart, really smart,

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Speaker 6: and what happened? The yoga studio said, okay, no problems.

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Speaker 6: They didn't charge her the fee. Jesse said that never

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Speaker 6: sees is to amaze me how much money you can

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Speaker 6: save when you ask for something kindly, money exact. That's sweet.

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Speaker 5: Yeah, that's good.

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Speaker 6: That's a good one. It's a really good one. Next,

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Speaker 6: I've got one from em Marie who said she's unfortunately

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Speaker 6: been out of work for around a year now because

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Speaker 6: of a chronic illness. And sorry, I know it must

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Speaker 6: be really really hard, but it's on the up and up,

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Speaker 6: because she said a new medication has become available in Australia.

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Speaker 6: It's on the PBS and it has improved her from

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Speaker 6: being essentially bedbound to being able to get out and

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Speaker 6: live her life again.

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Speaker 2: Oh my gosh, that's so exciting. And the fact that

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Speaker 2: it's on the PBS means it's not going to break.

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Speaker 6: The bank exactly. She said she's had it for five

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Speaker 6: weeks and she made the phone call on Friday and

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Speaker 6: she's finally going back to work.

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Speaker 2: That is actually illy. I think that's my favorite money

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Speaker 2: win incredbit a very very long time.

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Speaker 6: Yeah, that's huge. Next, I've got a money in from Shannie,

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Speaker 6: he said. I have the pass up. It's a system

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Speaker 6: where you get vouchers that you can spend it participating

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Speaker 6: pubs and local places. She booked a birthday bottomless brunch

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Speaker 6: at the SB so she must be a Melbourne gowp

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Speaker 6: Hello at the start of the year and she checked

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Speaker 6: on the app the other day and didn't realize it

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Speaker 6: was a part of the platform and she was entitled

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Speaker 6: Twitter hundred dollar about us.

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Speaker 5: Oh what's really cool.

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Speaker 6: That's a lot of drinks at your bottomless brunch. I

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Speaker 6: bet happy happy birthday. Very exciting.

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Speaker 2: Jesse is a bottomless I feel like a bottomless brunch

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Speaker 2: sounds elite. I want to go out to it. I'm

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Speaker 2: going to have a good time. But like the bottomless part,

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Speaker 2: I'd be like too Champayne zine and I'd be like,

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Speaker 2: I'm done now, thank you for having me.

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Speaker 6: Brunch with a singular drink is a bottomless brunch for.

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Speaker 2: Me, like one done too. She's out bets like make

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Speaker 2: the most of the soda waters. Yeah, exactly.

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Speaker 6: Thinks I've got a money win from Carlie. She said

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Speaker 6: she started very slowly to invest on Chase eas. She

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Speaker 6: used the sootm coage you got a ten doll about you,

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Speaker 6: and she said she's excited to be learning as she

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Speaker 6: goes and to stop procrastinating.

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Speaker 2: Oh my god, how good. But also ten dollars for

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Speaker 2: free we did that. I would say, No, that's literally

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Speaker 2: a money in that everyone can use this week. Yeah,

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Speaker 2: that's so everyone that's not already on the sharesas platform.

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Speaker 2: And if you're thinking, oh, I wish I could have that,

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Speaker 2: but I'm already on the Charesas platform, well you're already investing,

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Speaker 2: so you're the real winner here.

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Speaker 6: Ahead of time. Absolutely, and apparently Carli found a really

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Speaker 6: great sustainable ETF that she said was right by colleag

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Speaker 6: great queen. And then lastly this week I have a

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Speaker 6: money win from Tara who said she helped her mum

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Speaker 6: and her sister to create their own budgets so they

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Speaker 6: can take control of their finances.

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Speaker 5: Oh lovely.

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Speaker 6: Whenever I read a message or a comment saying someone's

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Speaker 6: like teaching someone that they know stuff, I feel like

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Speaker 6: we're spreading the good word of financial litera.

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Speaker 2: Yeah, really, yes, welcome to the Church of.

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Speaker 6: The exactly what I think.

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Speaker 2: Literally literally, don't we have a Bible? That's what we're

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Speaker 2: a religious cold con no.

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Speaker 6: Order your copy. It comes out at the end of November.

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Speaker 7: Religious cult, buy our stuff and also go forth my

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Speaker 7: children for I was like, else can I put in

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Speaker 7: here this?

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Speaker 2: Maybe we should start an m l M or something.

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Speaker 6: Like Yeah, might be easier, more profitable.

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Speaker 2: Definitely, Like then we could say yes to all the

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Speaker 2: dodgy companies that want to work with us. Yeah, true,

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Speaker 2: hit me up, hit me moving on. I love that, Jess.

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Speaker 2: I feel like anytime someone says I helped someone make

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Speaker 2: a budget, I'm like, I love you. You're an icon. You're

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Speaker 2: an icon. Beck, Let's move on to you. Okay, okay,

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Speaker 2: let's go. I wantn't know what break Tipsy bringing to

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Speaker 2: the table because you have a very scary little palm card.

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Speaker 2: She has a palm card. You have a post it note?

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Speaker 5: Yes, And I always do this to myself. I always like, write.

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Speaker 4: In shorthand and you're writing there, yeah, well this actually

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Speaker 4: I can't. I'll never be able to read this again.

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Speaker 2: Can you write in shorthand? Or when you say you

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Speaker 2: wrote in shorthand wrote because I was like, I can

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Speaker 2: read shorthand.

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Speaker 4: Well, when I say shorthand, I mean I just start

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Speaker 4: with the first letter, and then I get lazy, and

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Speaker 4: then oh yeah.

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Speaker 2: I feel bad for the team sometimes because I'll write

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Speaker 2: notes actually in shorthand and they're like, what is this

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Speaker 2: And I'll be like, oh, yes, I used to do

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Speaker 2: secretary duties.

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Speaker 6: I see, that's cool.

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Speaker 2: It is cool, But only I can read my own notes.

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Speaker 2: Sure their secret.

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Speaker 4: Hey, that's like a that's like knowing another language to

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Speaker 4: talk about someone without them knowing it's true.

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Speaker 5: That's really cool.

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Speaker 4: Somehow, Jess, you always like your money win will always

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Speaker 4: kind of run the same way, the same so.

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Speaker 2: It's almost like we were meant to be together.

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Speaker 6: Yeah.

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Speaker 5: Absolutely, that's really lame, bye, but it's true.

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Speaker 4: So these these are all very birthday themed. Birthday yeah adjacent,

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Speaker 4: well actually just birthday themed.

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Speaker 5: So the first.

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Speaker 4: One comes from Heather who says, there's a restaurant group.

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Speaker 4: Now I don't know the name of this restaurant group,

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Speaker 4: but for example, Studio marro in Windsor, if you book

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Speaker 4: a table for your friends and you say that it's

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Speaker 4: your birthday, everyone at the table gets a free drink.

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Speaker 2: Oh, how cool. That's cool. That's something to look into too,

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Speaker 2: because they are in lots of states and territories there

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Speaker 2: are restaurants that have like birthday deals.

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Speaker 6: That's cool.

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Speaker 4: Yeah, definitely, definitely I should have said yes, absolutely. So

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Speaker 4: a lot of these are, like, you know, very Melbourne based,

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Speaker 4: but that's okay.

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Speaker 2: Because like, that's okay, sure Melbourne, aren't that cutting edge leader. Yeah, like,

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Speaker 2: giving people a free drink because they booked a group

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Speaker 2: table can't be that revolutionary, but it should be something

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Speaker 2: that we're all looking into next time we have to

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Speaker 2: book a group table, because how good is that free

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Speaker 2: round of drinks?

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Speaker 5: I know, I know, that's really so good.

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Speaker 2: Free soda waters, Yeah.

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Speaker 5: Free soda waters. I mean, hopefully can get that any day.

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Speaker 4: But this next one is you know how I don't

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Speaker 4: know if you guys remember, but a few weeks ago

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Speaker 4: I was like, I will occasionally bring up ones that

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Speaker 4: have been mentioned just because they keep coming up, so

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Speaker 4: just in case other people haven't heard about these.

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Speaker 5: So this next one is.

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Speaker 2: Better be good. It better be worth the repeat.

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Speaker 4: I reckon so in particular with Boost and other places.

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Speaker 4: I'm sure, like you know any kind of like franchise,

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Speaker 4: hospitality place will do.

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Speaker 5: Free food drink.

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Speaker 2: We have a whole thread in our Facebook group which

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Speaker 2: you can search in the search bar. Everybody's dumped all

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Speaker 2: of the hot tips and tricksy places that you didn't

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Speaker 2: think we're going to be on there too.

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Speaker 6: Can eat it for free for like a whole day.

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Speaker 6: It's brilliant. Can I really do that right?

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Speaker 2: Like one of you needs to take it for the

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Speaker 2: team and money diary. A whole day of eating for free,

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Speaker 2: Like it's your birthday. You're going to pancake pile for breakfast,

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Speaker 2: You're getting a Boost for morning tea, You're going out

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Speaker 2: to somewhere else for lunch. I want to see dinner.

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Speaker 2: I also want you to go as far as doing activities,

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Speaker 2: I know, like time Zone, get through free coins, like,

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Speaker 2: there are going to be things that you could do

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Speaker 2: for free, genius.

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Speaker 6: Fake email, see what we can do it?

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Speaker 2: Do it, Jess is going to do it.

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Speaker 4: Obviously, be careful about links you click, but do pay

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Speaker 4: attention to your drunk folder and around the end up

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Speaker 4: in there and always end up in there. Ten percent

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Speaker 4: off random places in So your birthday just brings all

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Speaker 4: the really really cheap things or great deals.

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Speaker 2: I love this. So what's next?

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Speaker 4: Okay, so my yeah, yesterday was at HM with Michael

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Speaker 4: Franchess and she was buying for a house.

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Speaker 2: Did you guys?

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Speaker 4: I didn't know they had a homeware section, but good,

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Speaker 4: the big one in the city and they haven't.

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Speaker 2: They nice, really nice.

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Speaker 5: But we were like walking around.

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Speaker 4: I was like, my house, your girlfriend, Yes, I love that,

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Speaker 4: and you know, like sometimes you're just not I was

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Speaker 4: just so tired, not in the mood.

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Speaker 5: I was like carrying like all these plates and all

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Speaker 5: this stuff.

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Speaker 2: Yeah, I know where she brought you now exactly. I'm

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Speaker 2: onto her in my head.

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Speaker 4: I was like, I really hope she just changed their

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Speaker 4: mind randomly anyway, and then I saw this side and

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Speaker 4: that said, on your birthday, get twenty five percent off.

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Speaker 4: And I said, to her, birthday's coming up in like

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Speaker 4: two weeks. I was like, oh my god, if you

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Speaker 4: just come on your birthday, you will get all this sweep. Anyway,

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Speaker 4: we walked out with nothing, and I was really happy

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Speaker 4: about going.

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Speaker 2: We'll be going back on her birthday. On a birthday,

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Speaker 2: but so you've just found a cheap activity to do

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Speaker 2: on her birthday. Yes, you're purchasing something, but like that's

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Speaker 2: a whole like activity, that's the whole morning.

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Speaker 5: Actually it does last two weeks from the day of

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Speaker 5: your birthday.

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Speaker 2: Did I just hear that you've got someone in your

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Speaker 2: realm of contacts that's got a birthday coming up that

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Speaker 2: likes free things?

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Speaker 5: Huh?

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Speaker 2: I have a later inject for you.

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Speaker 5: Oh my god, you sure do. Okay, let's well, let's do.

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Speaker 2: That, all right, content Queen. We'll talk about this later. Yeah, okay,

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Speaker 2: we'll hit me.

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Speaker 4: Up nineteenth, which is a day after ninthy October. I'll

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Speaker 4: be letting you know home, I love that.

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Speaker 2: I love that happy Burthday in advanced Jess, not this

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Speaker 2: Jess out of Jess. Yes, I have something to add

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Speaker 2: to this. Actually, if I have been talking a lot

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Speaker 2: about the cost of cards, so I hate last minute

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Speaker 2: forgetting to buy someone a birthday card because, like jess Beck,

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Speaker 2: if you ever binge walleies and bought a card, right

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Speaker 2: seven dollars exactly right, that is insane. But recently I

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Speaker 2: have implemented the birthday book in our house. Okay, so

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Speaker 2: I went to kmart and I bought these empty books.

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Speaker 2: So the not the cheapy like activity books or sorry,

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Speaker 2: like exercise books you'd have for your kids at school,

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Speaker 2: like something a little fancy. I got like a hard

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Speaker 2: cover book, and I've written on the front of them

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Speaker 2: birthday book. One staves one's mind, one is our kid, Harvey's.

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Speaker 2: And every year, instead of buying each other cards, we're

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Speaker 2: going to fill out a page in the book and

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Speaker 2: write each other letters, and that's going to become the cards.

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Speaker 2: So I foresee us saving a lot of money on cards. Also,

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Speaker 2: my husband now has no excuse to not get me

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Speaker 2: a perfectly handwritten note for my birthday slay from me.

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Speaker 2: But two, isn't that such a cute memory gift? That's

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Speaker 2: really I was thinking you could literally gift on one

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Speaker 2: a birthday book, wrap it up, do a first letter.

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Speaker 2: Make it really cute, and that could be a really

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Speaker 2: thoughtful birthday present.

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Speaker 5: That's really cute.

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Speaker 2: Probably the relationship exactly. It could probably also keep it

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Speaker 2: as an idea in the back of your head for Christmas.

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Speaker 5: That's actually fantastic.

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Speaker 2: Imagine giving that to your partner. And I mean in

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Speaker 2: the day the.

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Speaker 6: Front cover of the book, like make it all personal.

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Speaker 2: Yeah, in my head, it works best when that person

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Speaker 2: lives with you or like is a very close contact,

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Speaker 2: because like if I bought it for like, you know,

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Speaker 2: my mum, I'd have to be like, oh, can I

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Speaker 2: come pick up your birthday book? Like that's I don't

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Speaker 2: live with her anymore. But for my husband, I know

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Speaker 2: where it is. I know we all keep it. So

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Speaker 2: I'll just go sneak that away writing his birthday book

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Speaker 2: and regift it every single year. But it's got an update.

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Speaker 2: You could do like some scrap booking things in there.

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Speaker 2: You could cut and paste some things. I'm just excited

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Speaker 2: that Harvey is going to get like this book of

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Speaker 2: letters over his lifetime that I've written for him every

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Speaker 2: year on his birthday. So cute. That's really really frugal

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Speaker 2: money tip, I reckon. Oh yeah, awful tip.

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Speaker 5: I'm thinking I'll do that for likenes. I'm on everything.

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Speaker 2: Oh you can come like a whole book like It's

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Speaker 2: not just like for Christmas, it could be for like

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Speaker 2: any time instead of a letter.

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Speaker 5: Off note, Oh of love.

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Speaker 2: No, this idea so cute. That is very very wholesome.

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Speaker 2: All right, let's go to a really quick break on

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Speaker 2: the flip side. We're going to be talking about navigating

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Speaker 2: buying property on your own. And someone asked in our

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Speaker 2: DMS whether you should be asking for reduced hours at

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Speaker 2: work to avoid burnout or just pushing through, So don't

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Speaker 2: go anywhere.

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Speaker 6: Welcome back, everybody. Let's take a listen to this week's

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Speaker 6: money dilemma.

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Speaker 7: Hi, there, have you got a money dilemma you just

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00:17:45,760 --> 00:17:48,240
Speaker 7: can't solve. The Sheese on the Money team is here

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Speaker 7: to help. Every week, we tackle your dilemmas, both big

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Speaker 7: and small, to answer your most burning money, career and

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Speaker 7: life questions. To get involved, simply head to our website

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00:17:57,560 --> 00:17:59,639
Speaker 7: and leave us a short voice recording and you might

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Speaker 7: just yourself on the show.

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Speaker 2: Now, let's take a listen to this week's money dilemma.

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Speaker 8: Hi, She's on the Money. Absolutely love your pod my

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Speaker 8: boyfriend and I in our thirties and not having kids.

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Speaker 8: He's buying a house for us both to live in.

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Speaker 8: I will contribute nothing to the deposit and will not

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Speaker 8: own any of it. Our idea was that I will

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Speaker 8: save up to buy my own investment property, and I'm

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Speaker 8: about two years off having the deposit. My boyfriend has

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Speaker 8: been charging me cheap rent to live in his apartment

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Speaker 8: to help me reach my goal. However, I'm crunching the

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Speaker 8: numbers on a mortgage and I don't see how I

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Speaker 8: can pull it off alone. Assuming I get rent money

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Speaker 8: from tenancy in my apartment, which may not even cover

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Speaker 8: the whole mortgage. I will also be paying rent to

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Speaker 8: my boyfriend and paying for the strata council.

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Speaker 2: Rates, water, etc.

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Speaker 8: From my apartment. If we broke up and I moved out,

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Speaker 8: I'd have to pay for rent for a place to

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Speaker 8: live as well as my mortgage. Because I can only

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Speaker 8: afford an apartment in a random state where I don't live.

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Speaker 8: I feel like if I buy, I'm barely going to

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Speaker 8: have any money left over to save or do anything fun.

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Speaker 8: I feel like it's too hard to do it alone

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Speaker 8: if I'm not going to be living in the property.

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Speaker 8: My boyfriend will not budge on the idea of buying

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Speaker 8: a house alone. I like the idea of investing my

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Speaker 8: money instead. I already invest in a range of ETFs

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Speaker 8: and add to this on a regular basis. But is

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Speaker 8: that a good use of my savings or should I

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Speaker 8: wait for the future for the mortgage as I get

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Speaker 8: a pay rise every year? I struggle with the societal

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Speaker 8: pressure to buy and buy asap. I don't even want to.

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Speaker 8: What would you advise?

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Speaker 2: Thanks, Oh, I've got a really easy answer, because she

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Speaker 2: said she doesn't want to. Don't She said, I'm struggling

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Speaker 2: with the societal pressure of purchasing a house and I

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Speaker 2: don't even want to. And I think the simple answer

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Speaker 2: there is I would be putting the brakes on that

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Speaker 2: plan at this point, because it's clearly putting a lot

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Speaker 2: of pressure on you, and you don't even know if

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Speaker 2: you want to do it properly yet. Unless you're all

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Speaker 2: in on purchasing property, you should absolutely not be doing it.

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Speaker 2: Like I'm going to use Just as an example, because

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Speaker 2: I often use Just as an example of a home buyer. Right,

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Speaker 2: I know not her inside out, but I know her

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Speaker 2: property goals inside out, and I know that buying a

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Speaker 2: property is one of or is her biggest goal at

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Speaker 2: the moment, right, I don't think that if we said

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Speaker 2: is it societal pressure, just going to go no, absolutely

440
00:20:09,760 --> 00:20:12,440
Speaker 2: not right, Like, that's not it. But it's so a

441
00:20:12,560 --> 00:20:16,359
Speaker 2: value to you. And so the extra fees and whatever

442
00:20:16,760 --> 00:20:19,440
Speaker 2: cost is being incurred, Jess has allocated for that, and

443
00:20:19,560 --> 00:20:22,159
Speaker 2: that's just part of the journey. Whereas this money diarist

444
00:20:22,280 --> 00:20:23,959
Speaker 2: or this person who has written in, which is very

445
00:20:24,040 --> 00:20:26,040
Speaker 2: kind of you to do so, because I love hearing

446
00:20:26,080 --> 00:20:28,680
Speaker 2: from our community, But you've written in and you've said

447
00:20:28,760 --> 00:20:30,159
Speaker 2: I don't really know if I want to do this,

448
00:20:30,320 --> 00:20:32,840
Speaker 2: And I think that that's where I need to remind

449
00:20:32,880 --> 00:20:34,520
Speaker 2: you that you don't have to. And I guess that's

450
00:20:34,520 --> 00:20:36,399
Speaker 2: what she's on The money is all about. It's creating

451
00:20:36,440 --> 00:20:39,880
Speaker 2: your own journey, writing your own pathway, creating your own narratives.

452
00:20:39,960 --> 00:20:43,520
Speaker 2: Like your partner might be fully into property, but you

453
00:20:43,640 --> 00:20:46,480
Speaker 2: might go, well, that's not my journey, that's not for me.

454
00:20:46,680 --> 00:20:49,520
Speaker 2: What I want is to invest in shares. And like

455
00:20:49,640 --> 00:20:51,719
Speaker 2: if we put it down on a piece of paper,

456
00:20:52,000 --> 00:20:55,320
Speaker 2: the Australian share market returns more than the Australian property market.

457
00:20:55,400 --> 00:20:57,600
Speaker 2: So you're not making a terrible decision when you say,

458
00:20:57,760 --> 00:21:00,280
Speaker 2: is that a good use of my savings? Well, only

459
00:21:00,359 --> 00:21:03,320
Speaker 2: you can tell me that. I can't say yes unequivocally

460
00:21:04,080 --> 00:21:06,920
Speaker 2: because you might go, well, actually, my savings are better

461
00:21:07,000 --> 00:21:09,280
Speaker 2: used here and here I recorded a money Darry Actually

462
00:21:09,359 --> 00:21:11,280
Speaker 2: before you guys came into the studio to do the

463
00:21:11,320 --> 00:21:13,879
Speaker 2: Friday episode, I was talking to the diarist and you

464
00:21:13,920 --> 00:21:15,760
Speaker 2: guys will hear this on the show soon. She had

465
00:21:15,800 --> 00:21:18,280
Speaker 2: one hundred thousand dollars in savings. Obviously a lot of

466
00:21:18,320 --> 00:21:20,800
Speaker 2: context dismissing here, but one hundred thousand dollars in savings

467
00:21:21,040 --> 00:21:22,840
Speaker 2: and she had a forty thousand dollars car Loan and

468
00:21:22,920 --> 00:21:25,280
Speaker 2: I talked to her about at the end, I said,

469
00:21:25,720 --> 00:21:28,200
Speaker 2: I need to know, like, why haven't you just used

470
00:21:28,240 --> 00:21:30,640
Speaker 2: your savings to pay down your high interest car loan.

471
00:21:30,880 --> 00:21:32,600
Speaker 2: She was like, well, they're giving me a lot of

472
00:21:32,680 --> 00:21:35,960
Speaker 2: financial security. They're making me feel really secure, Like my

473
00:21:36,080 --> 00:21:38,000
Speaker 2: partner and I want to have a kid in twelve

474
00:21:38,119 --> 00:21:41,080
Speaker 2: months or so, and you know we're planning on, you know,

475
00:21:41,359 --> 00:21:43,680
Speaker 2: changing our lifestyle. I think just sitting on the cash

476
00:21:43,760 --> 00:21:45,600
Speaker 2: for us is working better at the moment, and it

477
00:21:45,680 --> 00:21:49,440
Speaker 2: gives us a level of financial security. That's fair, that's

478
00:21:49,520 --> 00:21:52,280
Speaker 2: so fair, Like she's happy to pay for her car

479
00:21:52,359 --> 00:21:55,159
Speaker 2: loan and my job at she's on the money, or

480
00:21:55,280 --> 00:21:57,600
Speaker 2: my self elected job because I did this myself. Right

481
00:21:57,880 --> 00:21:59,760
Speaker 2: is to give you every single tool and resource that

482
00:21:59,800 --> 00:22:02,040
Speaker 2: you you deserve to make the decision that's right for you,

483
00:22:02,520 --> 00:22:05,320
Speaker 2: not on paper what the right decision is. Because if

484
00:22:05,359 --> 00:22:08,399
Speaker 2: we'd looked at my money diarrest story on paper, I

485
00:22:08,480 --> 00:22:11,479
Speaker 2: think we could all agree forty thousand dollars carload at

486
00:22:11,560 --> 00:22:16,080
Speaker 2: more than nine percent interest, Yeah, paid off, but her

487
00:22:16,240 --> 00:22:20,040
Speaker 2: values were not that and that's fine, Like there's literally

488
00:22:20,280 --> 00:22:23,520
Speaker 2: no judgment. But also I can't tell you whether it's

489
00:22:23,520 --> 00:22:25,560
Speaker 2: a good use of your savings because only you can

490
00:22:25,600 --> 00:22:27,320
Speaker 2: tell me that. And the only way you're going to

491
00:22:27,320 --> 00:22:29,440
Speaker 2: be able to tell me that is if you understand

492
00:22:29,600 --> 00:22:31,800
Speaker 2: your values and if you sit down and go, well,

493
00:22:32,480 --> 00:22:34,840
Speaker 2: I did say don't want property? Why use that? Why

494
00:22:34,960 --> 00:22:39,159
Speaker 2: do I feel this pressure to have property? You've listed

495
00:22:39,240 --> 00:22:41,720
Speaker 2: off all of these negative examples you didn't give me

496
00:22:41,920 --> 00:22:45,720
Speaker 2: in that message. One positive. You didn't say, I'd really

497
00:22:45,800 --> 00:22:48,200
Speaker 2: love property, give me a sense of freedom. You didn't

498
00:22:48,240 --> 00:22:50,720
Speaker 2: say any of that. You just said, my partner's buying

499
00:22:51,040 --> 00:22:53,160
Speaker 2: I'm going to buy or have a deposit in two years,

500
00:22:53,359 --> 00:22:55,320
Speaker 2: and hear all the negatives, I'll have to pay this, this,

501
00:22:55,520 --> 00:22:57,119
Speaker 2: this and this, and here's the bad outcome if we

502
00:22:57,200 --> 00:23:00,480
Speaker 2: break up. Like anyway, I'm sorry to have in there.

503
00:23:00,600 --> 00:23:04,840
Speaker 2: I just felt like im that was so driven by

504
00:23:05,080 --> 00:23:08,080
Speaker 2: the pressure that you feel to own property, not the reality,

505
00:23:08,280 --> 00:23:10,520
Speaker 2: which is you probably don't want that. And a share

506
00:23:10,600 --> 00:23:12,800
Speaker 2: portfolio sounds like it's going to work for you because

507
00:23:12,840 --> 00:23:14,840
Speaker 2: that's what you said you were interested in totally.

508
00:23:15,160 --> 00:23:17,800
Speaker 4: I was just going to say, like, obviously, I'm not

509
00:23:18,320 --> 00:23:20,359
Speaker 4: in this position, so I'm not the best to give advice,

510
00:23:20,400 --> 00:23:24,280
Speaker 4: but I just think if you're doing anything because of

511
00:23:24,400 --> 00:23:29,480
Speaker 4: some arbitrary societal rule, you will forever just be so

512
00:23:29,640 --> 00:23:32,600
Speaker 4: deeply unhappy. If I was following every societal rule and

513
00:23:32,760 --> 00:23:35,080
Speaker 4: you guys were as well, Like I would be in

514
00:23:35,200 --> 00:23:37,879
Speaker 4: a dress right now, and I would be, you know,

515
00:23:38,040 --> 00:23:39,440
Speaker 4: just like all dress.

516
00:23:39,440 --> 00:23:40,400
Speaker 2: I'd be so confused.

517
00:23:40,480 --> 00:23:42,280
Speaker 5: Things would be wrong, things would be very wrong.

518
00:23:42,880 --> 00:23:46,639
Speaker 4: It just like, yeah, all these things would just like

519
00:23:47,119 --> 00:23:49,560
Speaker 4: that that make you inherently happy because of your own

520
00:23:49,640 --> 00:23:53,000
Speaker 4: personal preference. You don't need any societal pressure.

521
00:23:52,680 --> 00:23:55,720
Speaker 2: To do he would you be making happy people that

522
00:23:55,840 --> 00:23:56,280
Speaker 2: don't know.

523
00:23:56,720 --> 00:24:00,400
Speaker 4: You exist, you know exactly. The people in your world

524
00:24:00,440 --> 00:24:02,639
Speaker 4: that love you don't care about that stuff. So I think, like,

525
00:24:03,040 --> 00:24:07,640
Speaker 4: if you don't feel the urge to buy a property

526
00:24:07,800 --> 00:24:10,320
Speaker 4: inside yourself, like you don't feel that craving, then I

527
00:24:10,440 --> 00:24:12,720
Speaker 4: would just not do it and say that because a

528
00:24:12,760 --> 00:24:14,440
Speaker 4: lot of people I feel like a lot of people

529
00:24:14,480 --> 00:24:17,040
Speaker 4: and hopefully it's not as popular or like sorry, not

530
00:24:17,080 --> 00:24:19,520
Speaker 4: as common anymore. But women who want to leave their

531
00:24:19,560 --> 00:24:22,119
Speaker 4: husbands maybe can't because financially they don't have the ability to.

532
00:24:22,240 --> 00:24:25,520
Speaker 4: But if you have that there, and you know, touch wood,

533
00:24:25,720 --> 00:24:28,200
Speaker 4: something happens in the future and you break up and

534
00:24:28,280 --> 00:24:30,000
Speaker 4: you have all that money and you're like, I need

535
00:24:30,040 --> 00:24:32,479
Speaker 4: to live by myself. Now you are able to buy

536
00:24:32,520 --> 00:24:34,639
Speaker 4: yourself a little, one bitter apartment in a place. And

537
00:24:34,680 --> 00:24:37,520
Speaker 4: I think that this person also said that they wouldn't

538
00:24:37,520 --> 00:24:38,919
Speaker 4: be able to afford to live in the place they

539
00:24:38,960 --> 00:24:39,320
Speaker 4: want to live.

540
00:24:39,400 --> 00:24:40,720
Speaker 6: Yeah, it sounds like they would rent best.

541
00:24:40,920 --> 00:24:41,120
Speaker 8: Yeah.

542
00:24:41,240 --> 00:24:42,760
Speaker 4: So I'm like, if you have all that money, you

543
00:24:42,840 --> 00:24:44,600
Speaker 4: might be able to stay in the place that you

544
00:24:44,640 --> 00:24:46,800
Speaker 4: want to stay, and you'd be able to be fully

545
00:24:46,920 --> 00:24:48,880
Speaker 4: financially independent because you do have this money.

546
00:24:48,960 --> 00:24:49,960
Speaker 5: I so keep saving it.

547
00:24:50,080 --> 00:24:53,320
Speaker 4: Don't buy, And I feel like investment property means it's

548
00:24:53,440 --> 00:24:56,280
Speaker 4: investing in you know, you're like, you're better in your

549
00:24:56,320 --> 00:24:57,720
Speaker 4: financial future, but I.

550
00:24:57,840 --> 00:25:01,360
Speaker 2: Just but it should be better in your life in well, yeah,

551
00:25:01,560 --> 00:25:03,680
Speaker 2: I just I think so that you don't have to

552
00:25:03,720 --> 00:25:03,840
Speaker 2: do that.

553
00:25:03,880 --> 00:25:05,359
Speaker 5: You shouldn't have to do that to make it.

554
00:25:05,560 --> 00:25:08,600
Speaker 2: Taylor Swift like, you can reinvent yourself. Like if you

555
00:25:09,200 --> 00:25:11,760
Speaker 2: are in a situation where you're like, I just don't

556
00:25:11,800 --> 00:25:13,440
Speaker 2: want to buy right now, doesn't mean you can't change

557
00:25:13,480 --> 00:25:16,440
Speaker 2: your mind. She was country queen right and then she

558
00:25:16,600 --> 00:25:19,399
Speaker 2: went to being pop icon. She changed, She decided she

559
00:25:19,480 --> 00:25:21,200
Speaker 2: wanted to do something different and just did it. So

560
00:25:21,280 --> 00:25:23,359
Speaker 2: you just do that later if you choose to change

561
00:25:23,359 --> 00:25:25,000
Speaker 2: your mind, if you go, well, I don't want to

562
00:25:25,000 --> 00:25:27,560
Speaker 2: buy property, don't even a few years, as you said,

563
00:25:27,600 --> 00:25:29,080
Speaker 2: you're going to get a pay rise every year. If

564
00:25:29,119 --> 00:25:31,639
Speaker 2: in a few years that's really financially viable, and you're like, oh,

565
00:25:31,680 --> 00:25:32,159
Speaker 2: I'm into this.

566
00:25:32,240 --> 00:25:33,800
Speaker 5: Now do it then totally.

567
00:25:33,960 --> 00:25:35,800
Speaker 2: But you know what you've done, You've given yourself the

568
00:25:35,880 --> 00:25:38,359
Speaker 2: financial freedom to make that decision at that point by

569
00:25:38,440 --> 00:25:39,520
Speaker 2: investing along the way.

570
00:25:39,640 --> 00:25:41,040
Speaker 5: Exactly, Just what would you do?

571
00:25:41,560 --> 00:25:43,960
Speaker 6: I yeah, I can, like I would buy the property.

572
00:25:44,840 --> 00:25:47,080
Speaker 6: Nobody completely agree with what you're both saying is that

573
00:25:47,200 --> 00:25:48,480
Speaker 6: you need to make a choice. It's right for you,

574
00:25:48,560 --> 00:25:50,480
Speaker 6: and anyone who loves you is not going to pressure

575
00:25:50,520 --> 00:25:54,440
Speaker 6: you into making a decision. My best guess would be

576
00:25:54,720 --> 00:25:58,800
Speaker 6: maybe that your partner thinks that they're helping you get ahead,

577
00:25:58,960 --> 00:26:00,840
Speaker 6: Like maybe they've got kind of a plan in their

578
00:26:00,920 --> 00:26:03,879
Speaker 6: mind and they're not seeing that it's not, you know,

579
00:26:04,480 --> 00:26:06,680
Speaker 6: the giving you cheap rent and stuff like. In their minds,

580
00:26:06,760 --> 00:26:09,080
Speaker 6: they might be thinking that they're furthering you so that

581
00:26:09,160 --> 00:26:11,040
Speaker 6: you can have your own property and I'm going to

582
00:26:11,080 --> 00:26:14,200
Speaker 6: have give you a say, well yeah, like and maybe

583
00:26:14,359 --> 00:26:15,800
Speaker 6: in their mind that gives you a bigger sense to

584
00:26:15,880 --> 00:26:19,160
Speaker 6: each own your own property so that if something does happen,

585
00:26:19,240 --> 00:26:21,680
Speaker 6: you both have something. Maybe that's where they're coming from.

586
00:26:21,920 --> 00:26:23,600
Speaker 6: But if they love you, of course they're not going

587
00:26:23,640 --> 00:26:25,639
Speaker 6: to want you to do something you don't want to.

588
00:26:25,840 --> 00:26:28,000
Speaker 6: So I think like having that conversation with them, and

589
00:26:28,080 --> 00:26:31,440
Speaker 6: then on a broader scale, maybe you know, saying to them, hey, like,

590
00:26:31,560 --> 00:26:33,399
Speaker 6: I understand that maybe you were trying to help me

591
00:26:33,440 --> 00:26:35,879
Speaker 6: get ahead by giving me a cheaper rent, or by

592
00:26:35,960 --> 00:26:38,639
Speaker 6: covering these bills or whatever, so that I could achieve

593
00:26:38,760 --> 00:26:41,280
Speaker 6: that part of you know, kind of plan that you

594
00:26:41,400 --> 00:26:43,000
Speaker 6: maybe thought that we would have or that would be

595
00:26:43,040 --> 00:26:45,560
Speaker 6: great for us. If that's not what I want to do,

596
00:26:45,720 --> 00:26:47,399
Speaker 6: Like I'm so happy to be an equal partner, Like

597
00:26:47,480 --> 00:26:50,200
Speaker 6: I'll pay market value rent, like I will split things.

598
00:26:50,280 --> 00:26:52,639
Speaker 6: We can put you know, a BFA or some kind

599
00:26:52,680 --> 00:26:55,200
Speaker 6: of agreement in place to protect your property that you have,

600
00:26:55,359 --> 00:26:58,000
Speaker 6: because maybe that's a point of concern for them. So

601
00:26:58,080 --> 00:27:01,840
Speaker 6: I think maybe you know, being grateful that they want

602
00:27:01,880 --> 00:27:03,800
Speaker 6: to help you get ahead, because I'm hoping that that's

603
00:27:03,800 --> 00:27:06,080
Speaker 6: where that's coming from, but also explaining to them that's

604
00:27:06,119 --> 00:27:08,359
Speaker 6: not what you want and that's okay. Like, if you

605
00:27:08,400 --> 00:27:10,280
Speaker 6: don't want to buy a property, do not buy a property.

606
00:27:10,320 --> 00:27:12,760
Speaker 6: It's a lot of work like having and maybe I'll

607
00:27:12,840 --> 00:27:15,320
Speaker 6: change my mind later. It's not completely off the table,

608
00:27:15,520 --> 00:27:19,080
Speaker 6: No thing is. But maybe I'm just not here on

609
00:27:19,200 --> 00:27:21,680
Speaker 6: the same journey as you, and that's actually so fine. Yeah,

610
00:27:21,760 --> 00:27:24,080
Speaker 6: investing in shares is also a great investment option if

611
00:27:24,119 --> 00:27:26,480
Speaker 6: that's more aligned to you. It's your money, and ultimately

612
00:27:26,520 --> 00:27:28,320
Speaker 6: you have to do what feels right for what you

613
00:27:28,440 --> 00:27:31,040
Speaker 6: want and what feels good, and I think just communicating

614
00:27:31,080 --> 00:27:33,680
Speaker 6: that to your partner, and you're being prepared to find

615
00:27:33,720 --> 00:27:36,520
Speaker 6: a middle ground in terms of the living situation might

616
00:27:36,600 --> 00:27:39,520
Speaker 6: be the best way to go. Completely agree with you,

617
00:27:40,040 --> 00:27:42,400
Speaker 6: amazing should get to this these money Oh.

618
00:27:42,320 --> 00:27:44,760
Speaker 2: My gosh, Yes, I have been waiting for this one.

619
00:27:44,920 --> 00:27:45,480
Speaker 2: Are you ready?

620
00:27:45,640 --> 00:27:46,280
Speaker 6: Absolutely?

621
00:27:46,480 --> 00:27:48,080
Speaker 2: Okay, Hi, she's on the money team.

622
00:27:48,200 --> 00:27:49,440
Speaker 5: I have a DM for you.

623
00:27:50,040 --> 00:27:52,160
Speaker 2: I'm currently in my first year of full time work

624
00:27:52,240 --> 00:27:54,680
Speaker 2: and it's been so hard transitioning into it and I

625
00:27:54,800 --> 00:27:59,520
Speaker 2: am exhausted. I'm currently undergoing ADHD and autism diagnosis. I've

626
00:27:59,520 --> 00:28:01,399
Speaker 2: gotten to a point where I'm on the brink of

627
00:28:01,480 --> 00:28:04,200
Speaker 2: burnout and i want to ask for my contracted hours

628
00:28:04,280 --> 00:28:06,680
Speaker 2: to reduce two hours per week to have a nine

629
00:28:06,800 --> 00:28:10,000
Speaker 2: day fortnight. I already work longer hours during the week

630
00:28:10,119 --> 00:28:12,920
Speaker 2: to have a shorter day on Fridays, so I'm not

631
00:28:13,119 --> 00:28:16,960
Speaker 2: bothered by longer hours to have an ido. Financially, I

632
00:28:17,040 --> 00:28:20,120
Speaker 2: can cop one hundred and fifty less ish a fortnight.

633
00:28:20,560 --> 00:28:22,879
Speaker 2: I also know of older people in the business with

634
00:28:23,040 --> 00:28:26,040
Speaker 2: part time or four day contracts, but I'm really worried

635
00:28:26,040 --> 00:28:29,320
Speaker 2: about the prejudice and judgment that might come with this decision,

636
00:28:29,440 --> 00:28:32,080
Speaker 2: as I have no dependence and have mentioned struggles. But

637
00:28:32,640 --> 00:28:35,960
Speaker 2: most people say, just push through it. I feel like

638
00:28:36,119 --> 00:28:39,000
Speaker 2: my reasoning may limit me in progressing in my career.

639
00:28:39,280 --> 00:28:42,320
Speaker 2: I'm in engineering. Do you have any advice on this?

640
00:28:43,120 --> 00:28:46,480
Speaker 4: My god, this has been such a thing for me

641
00:28:46,680 --> 00:28:49,400
Speaker 4: this week in particular, but always it is my biggest thing.

642
00:28:49,960 --> 00:28:53,680
Speaker 4: Four day work week because I think sure back in

643
00:28:53,800 --> 00:28:57,120
Speaker 4: the day, in the year older times when one person

644
00:28:57,160 --> 00:29:00,320
Speaker 4: would work, usually a man and the woman, and would

645
00:29:00,320 --> 00:29:03,360
Speaker 4: stay home usually with the children, do all the house stuff,

646
00:29:03,520 --> 00:29:06,080
Speaker 4: so both parties working full time, but kind of like

647
00:29:06,160 --> 00:29:07,040
Speaker 4: tackling different things.

648
00:29:07,160 --> 00:29:09,560
Speaker 2: Now, yeah, you can just say it how it was.

649
00:29:09,800 --> 00:29:13,120
Speaker 4: Yeah, Well now it's like one person you've got to do,

650
00:29:13,760 --> 00:29:18,680
Speaker 4: say Friday, Sabbath day of rest. Well, you cannot anymore

651
00:29:18,720 --> 00:29:21,160
Speaker 4: because you have Friday. Maybe you go out, maybe you don't,

652
00:29:21,200 --> 00:29:23,120
Speaker 4: but that day is taken up by work, let's be honest.

653
00:29:23,120 --> 00:29:25,520
Speaker 4: And then Saturday is one day where you don't have

654
00:29:25,680 --> 00:29:28,120
Speaker 4: work the day or the day after, so you can

655
00:29:28,240 --> 00:29:31,160
Speaker 4: maybe have some fun with your friends. Sunday, maybe you're resting,

656
00:29:31,320 --> 00:29:33,840
Speaker 4: but you'll still got to go to the laundry, the church,

657
00:29:34,040 --> 00:29:36,959
Speaker 4: the kids church. That day you do, but you've got

658
00:29:37,040 --> 00:29:39,560
Speaker 4: all the life addamin, all the chores, everything that you

659
00:29:39,880 --> 00:29:42,400
Speaker 4: weren't able to get done. Also, a lot of businesses

660
00:29:42,440 --> 00:29:44,960
Speaker 4: are closed on that day, so you you just where

661
00:29:45,000 --> 00:29:47,880
Speaker 4: do you find time? Anyway, a four day work week,

662
00:29:48,200 --> 00:29:53,640
Speaker 4: a three day weekend is probably essential at this stage,

663
00:29:53,840 --> 00:29:54,400
Speaker 4: I would say.

664
00:29:54,480 --> 00:29:55,760
Speaker 5: But also I don't want to be that person.

665
00:29:56,240 --> 00:30:00,160
Speaker 4: You know, everyone does have a different level of on

666
00:30:00,240 --> 00:30:02,640
Speaker 4: your workload, depends on your work depends on so many things.

667
00:30:02,760 --> 00:30:04,800
Speaker 2: Yeah, and like on the flip side, someone else might go,

668
00:30:04,960 --> 00:30:06,680
Speaker 2: I don't want to have to do ten hour days.

669
00:30:06,680 --> 00:30:08,840
Speaker 2: I'd much prefer to spread that across five days. I mean,

670
00:30:08,920 --> 00:30:11,520
Speaker 2: each to their own. But I do believe in flexibility

671
00:30:11,640 --> 00:30:14,000
Speaker 2: where it makes sense. Jess, what would you do?

672
00:30:14,600 --> 00:30:19,400
Speaker 6: I think that I totally understand where they're coming from, because, firstly, congratulations,

673
00:30:19,440 --> 00:30:23,720
Speaker 6: I'm working towards your formal identification of being somewhere on

674
00:30:23,720 --> 00:30:25,880
Speaker 6: the spectrum. That's very exciting, even though it can feel

675
00:30:25,960 --> 00:30:29,080
Speaker 6: very intimidating as well. But I think that firstly, it's

676
00:30:29,120 --> 00:30:31,720
Speaker 6: really important to note that within like fair work legislation,

677
00:30:31,920 --> 00:30:34,680
Speaker 6: there is literally like legalities that prevent you from being

678
00:30:34,760 --> 00:30:38,480
Speaker 6: discriminated against because of different abilities, different things like that.

679
00:30:39,040 --> 00:30:41,520
Speaker 6: And so if there is a concession that is needed

680
00:30:41,600 --> 00:30:44,120
Speaker 6: for you as a part of your formal diagnosis, and

681
00:30:44,240 --> 00:30:48,640
Speaker 6: you can have a doctor, a psychologist who you're seeing psychiatrists, sorry,

682
00:30:49,080 --> 00:30:52,840
Speaker 6: provide some evidence of that. It actually can't be denied.

683
00:30:53,080 --> 00:30:54,680
Speaker 6: You know, there's a lot of nuance there. Like I'm

684
00:30:54,680 --> 00:30:56,920
Speaker 6: being very general with that, but you know, if you

685
00:30:57,000 --> 00:30:58,640
Speaker 6: need something to be able to facilitate your job, and

686
00:30:58,720 --> 00:31:01,160
Speaker 6: it is able to be facilitated, which it sounds like

687
00:31:01,240 --> 00:31:03,120
Speaker 6: it can be because you said there's the people on

688
00:31:03,400 --> 00:31:06,560
Speaker 6: the four day contracts and part time contracts and stuff,

689
00:31:07,200 --> 00:31:09,880
Speaker 6: it should be an option for you, just in terms

690
00:31:09,920 --> 00:31:13,880
Speaker 6: of being allowed. I know that our listener's bigger issue

691
00:31:14,200 --> 00:31:17,200
Speaker 6: was the bias that they might encounter in the workplace,

692
00:31:17,240 --> 00:31:20,560
Speaker 6: and that is a much trickier beast. I would say

693
00:31:20,640 --> 00:31:23,160
Speaker 6: that I think society has come a long way in

694
00:31:23,320 --> 00:31:25,840
Speaker 6: being respectful and understanding of the fact that really we

695
00:31:25,920 --> 00:31:28,200
Speaker 6: all exist somewhere on a spectrum and everyone has different

696
00:31:28,280 --> 00:31:31,440
Speaker 6: needs and different preferences and different things. None of us fit.

697
00:31:31,520 --> 00:31:35,000
Speaker 6: The MA team is so neurospiasedally, and I think like

698
00:31:35,080 --> 00:31:37,600
Speaker 6: the fact that the standard traditional nine to five, five

699
00:31:37,680 --> 00:31:42,040
Speaker 6: day workweek was invented, however many years ago, when people

700
00:31:42,120 --> 00:31:46,960
Speaker 6: were literally working in almost like favery, men men specifically,

701
00:31:47,120 --> 00:31:48,040
Speaker 6: like even just things like.

702
00:31:48,080 --> 00:31:50,840
Speaker 2: Pyomen shouldn't have jobs, No, a job is seen the home.

703
00:31:51,160 --> 00:31:53,600
Speaker 6: Yes, you know, I think that I completely agree. It

704
00:31:53,680 --> 00:31:55,720
Speaker 6: is a very like outdated way, and I think that

705
00:31:55,840 --> 00:31:59,160
Speaker 6: a lot of workplaces really are working towards being more

706
00:31:59,200 --> 00:32:02,160
Speaker 6: flexible and more compromising, and so are people individually. Like

707
00:32:02,240 --> 00:32:04,160
Speaker 6: if you ask anyone in this room, for example, if

708
00:32:04,200 --> 00:32:05,800
Speaker 6: that was a problem, not one of us would any

709
00:32:06,400 --> 00:32:08,360
Speaker 6: But I do understand when you're in a corporate space,

710
00:32:08,400 --> 00:32:10,640
Speaker 6: and particularly if you're in the engineering space, which is

711
00:32:11,080 --> 00:32:14,200
Speaker 6: a male dominated industry, you might already be facing some

712
00:32:14,440 --> 00:32:18,600
Speaker 6: challenges there around biases and things like that. I totally

713
00:32:18,680 --> 00:32:22,920
Speaker 6: get the concern, but I think ultimately burnout is so

714
00:32:23,400 --> 00:32:28,760
Speaker 6: damaging to you, like mentally, physically, emotionally. I would say

715
00:32:28,840 --> 00:32:31,960
Speaker 6: that to not have to suffer through that, it is

716
00:32:32,040 --> 00:32:35,800
Speaker 6: almost worth the risk of coming up against a few people, because.

717
00:32:35,600 --> 00:32:39,840
Speaker 2: Like, if you just suffer through it, you might end

718
00:32:39,920 --> 00:32:42,920
Speaker 2: up losing your job completely, Like you might not be

719
00:32:43,000 --> 00:32:45,160
Speaker 2: able to work. And I don't mean to be too dramatic,

720
00:32:45,240 --> 00:32:48,080
Speaker 2: but you might end up in a really bad situation

721
00:32:48,440 --> 00:32:51,720
Speaker 2: that has a bad outcome, and that's not what you want.

722
00:32:51,800 --> 00:32:53,840
Speaker 2: So why not ask and kind of buite it in

723
00:32:53,920 --> 00:32:55,720
Speaker 2: the bar. The other thing I wanted to talk about

724
00:32:55,760 --> 00:32:59,800
Speaker 2: here was sick leave. So like, your mental health is

725
00:32:59,880 --> 00:33:03,240
Speaker 2: your health, and your health is supported by your sick leave.

726
00:33:03,640 --> 00:33:06,080
Speaker 2: So if you need to take some sick leave and go,

727
00:33:06,280 --> 00:33:07,800
Speaker 2: you know what, I need a few days, or I

728
00:33:07,880 --> 00:33:10,160
Speaker 2: need a day here and there for my mental health,

729
00:33:10,200 --> 00:33:13,160
Speaker 2: that is so valid. Like I feel like businesses nowadays

730
00:33:13,200 --> 00:33:15,840
Speaker 2: are trying to carve out oh, we have mental health leave,

731
00:33:15,960 --> 00:33:19,720
Speaker 2: and honestly, I think that's bullshit. Because you have sick

732
00:33:19,840 --> 00:33:22,560
Speaker 2: leave that you should be able to use for your

733
00:33:22,600 --> 00:33:29,240
Speaker 2: mental health. Like from a business owner's perspective, if someone

734
00:33:29,320 --> 00:33:31,360
Speaker 2: in my team says I'm not well today, I'm not

735
00:33:31,400 --> 00:33:34,320
Speaker 2: coming into work. That is not my business. Legally, it's

736
00:33:34,400 --> 00:33:38,160
Speaker 2: not my business. I do not ask for six certificates.

737
00:33:38,200 --> 00:33:40,640
Speaker 2: I'm not saying that that's across the board, but for

738
00:33:40,800 --> 00:33:43,600
Speaker 2: one day here or there. Even if you need a

739
00:33:43,680 --> 00:33:45,920
Speaker 2: six certificate, you could go to your GP and say

740
00:33:45,920 --> 00:33:47,920
Speaker 2: it's mental health leave, and your doctor is going to

741
00:33:47,960 --> 00:33:52,160
Speaker 2: write exactly the same sick certificate for your mental health

742
00:33:52,240 --> 00:33:55,480
Speaker 2: as they are for you having the flu, saying sorry,

743
00:33:55,600 --> 00:33:58,480
Speaker 2: Jessica's unable to come to work, and she can resume

744
00:33:58,520 --> 00:34:01,120
Speaker 2: her normal duties as off Monday. Yeah, like, it's not

745
00:34:01,680 --> 00:34:04,800
Speaker 2: I promise you. Your mental health is so important you

746
00:34:04,880 --> 00:34:06,280
Speaker 2: don't even have to go to your boss and have

747
00:34:06,360 --> 00:34:09,560
Speaker 2: this conversation. Yet as somebody who is neurospicy being in

748
00:34:09,680 --> 00:34:11,920
Speaker 2: the throes of it, there's a lot that you're going

749
00:34:12,000 --> 00:34:16,279
Speaker 2: to learn about managing your health right now. Maybe as

750
00:34:16,320 --> 00:34:18,640
Speaker 2: an interim measure, you could use some of your sick

751
00:34:18,760 --> 00:34:21,040
Speaker 2: days take some pressure off. Maybe even talk to your

752
00:34:21,040 --> 00:34:23,640
Speaker 2: boss and be like, hey, don't know how transparent you

753
00:34:23,719 --> 00:34:27,040
Speaker 2: want to be. Hey, I am not dealing well with

754
00:34:27,120 --> 00:34:29,640
Speaker 2: a health diagnosis that I am currently in the midst

755
00:34:29,680 --> 00:34:32,320
Speaker 2: of none of their business. Is there a way that

756
00:34:32,480 --> 00:34:35,200
Speaker 2: I could for the next three Fridays have a sick day.

757
00:34:35,400 --> 00:34:37,920
Speaker 2: I know that people don't usually plan sick days in advance,

758
00:34:38,000 --> 00:34:40,279
Speaker 2: but like that's what they are for. I don't want

759
00:34:40,320 --> 00:34:42,480
Speaker 2: to get too much into it. And after that we

760
00:34:42,600 --> 00:34:44,920
Speaker 2: can review and hopefully I can return to normal. If not,

761
00:34:45,239 --> 00:34:47,400
Speaker 2: we can discuss it. Then it's giving your boss or

762
00:34:47,440 --> 00:34:49,319
Speaker 2: heads up. You can kind of test the waters you're using.

763
00:34:49,360 --> 00:34:51,480
Speaker 2: Sek leave you should be allowed to, And I mean

764
00:34:51,560 --> 00:34:53,160
Speaker 2: at the end of the day, if they say no

765
00:34:53,400 --> 00:34:56,719
Speaker 2: to taking sick leave fair work issue, so I really

766
00:34:56,760 --> 00:34:58,800
Speaker 2: doubt that they're going to do that. And to be honest,

767
00:34:59,600 --> 00:35:02,239
Speaker 2: if was going through something similar, I say Jess all

768
00:35:02,280 --> 00:35:05,080
Speaker 2: the time because she literally reports to me, whereaspec you

769
00:35:05,200 --> 00:35:07,200
Speaker 2: work for the podcast, but you work nine to five

770
00:35:07,280 --> 00:35:10,000
Speaker 2: somewhere else. So if Jess came to me and said, hey,

771
00:35:10,760 --> 00:35:12,919
Speaker 2: you know, she'd probably tell me the juicy deets. Let's

772
00:35:12,920 --> 00:35:16,200
Speaker 2: be honest. But that's a friend thing, not an employer thing.

773
00:35:16,280 --> 00:35:17,799
Speaker 2: But if she said I need to take time off

774
00:35:18,080 --> 00:35:21,359
Speaker 2: as an employer far out, I'm so grateful that she's

775
00:35:21,400 --> 00:35:23,560
Speaker 2: not curling me for the next three weeks on a

776
00:35:23,640 --> 00:35:26,600
Speaker 2: Thursday night being like, hey, I'm going to be sick tomorrow, Like,

777
00:35:27,280 --> 00:35:29,719
Speaker 2: thank you for the plan around burning. I can plan

778
00:35:29,840 --> 00:35:32,279
Speaker 2: around it. I can go all right, Jess, you can

779
00:35:32,360 --> 00:35:34,440
Speaker 2: have the Fridays off for the next few weeks, sick leave,

780
00:35:34,520 --> 00:35:36,759
Speaker 2: no worries. Let's just make sure A, B and C

781
00:35:36,880 --> 00:35:39,880
Speaker 2: you're done, because they're no one's dressed, how good. So

782
00:35:40,040 --> 00:35:43,600
Speaker 2: maybe there's like a workaround, but I think make sure

783
00:35:43,640 --> 00:35:46,600
Speaker 2: that you're leaning, especially on stuff like this, lean on

784
00:35:46,680 --> 00:35:49,520
Speaker 2: your sick leave. It is there to be used and

785
00:35:49,560 --> 00:35:51,320
Speaker 2: I'm not saying like you've use it, but like it

786
00:35:51,360 --> 00:35:53,399
Speaker 2: sounds like you actually need a few days off because

787
00:35:53,400 --> 00:35:55,720
Speaker 2: if you're close to burn out, you're sitch yeah.

788
00:35:55,760 --> 00:35:57,640
Speaker 6: And then if you maybe if you do it that way,

789
00:35:57,719 --> 00:36:00,200
Speaker 6: you'll be able to say, hey, like everything functioned well.

790
00:36:00,200 --> 00:36:02,080
Speaker 6: I was able to complete my work during the week,

791
00:36:02,160 --> 00:36:03,920
Speaker 6: Like the sky didn't fall in when I took those

792
00:36:03,960 --> 00:36:06,360
Speaker 6: fridays off. Can we look at moving that to a

793
00:36:06,440 --> 00:36:09,080
Speaker 6: long term solution where I work a four day work week.

794
00:36:09,560 --> 00:36:12,120
Speaker 6: We've seen that it works, yeah, and that's you know,

795
00:36:12,200 --> 00:36:14,279
Speaker 6: it's been really beneficial for me, and I think that

796
00:36:14,400 --> 00:36:17,400
Speaker 6: that's really going to help me avoid burnout work at

797
00:36:17,440 --> 00:36:18,359
Speaker 6: my ultimate.

798
00:36:18,239 --> 00:36:20,759
Speaker 2: You know level performance exactly.

799
00:36:20,480 --> 00:36:22,920
Speaker 6: Because ultimately that's what the workplace wants, right. So I

800
00:36:23,000 --> 00:36:25,120
Speaker 6: think if you can demonstrate that and maybe that is

801
00:36:25,160 --> 00:36:27,720
Speaker 6: a good way to broach it gently if you're feeling

802
00:36:27,719 --> 00:36:29,200
Speaker 6: a bit nervous about it, but also.

803
00:36:29,280 --> 00:36:31,560
Speaker 2: Take the pressure of immediately Like I think you're thinking

804
00:36:31,680 --> 00:36:34,520
Speaker 2: really long term about this because you're currently feeling like

805
00:36:34,560 --> 00:36:37,280
Speaker 2: you're headed towards burner. I get long terms really important,

806
00:36:37,280 --> 00:36:38,799
Speaker 2: But what can you do in the here and now

807
00:36:39,239 --> 00:36:43,240
Speaker 2: without setting in place a formal structure which I promise

808
00:36:43,360 --> 00:36:45,040
Speaker 2: is going to take a bit of time. If you

809
00:36:45,080 --> 00:36:47,320
Speaker 2: said you're in engineering, I can almost guarantee they're a

810
00:36:47,320 --> 00:36:49,600
Speaker 2: little bit behind. So getting something like that across the

811
00:36:49,680 --> 00:36:53,239
Speaker 2: table is going to be challenging. But I would lean

812
00:36:53,320 --> 00:36:54,840
Speaker 2: on your sick leave at the start and then go

813
00:36:54,960 --> 00:36:58,200
Speaker 2: from there whatever else. Of course, we went to the

814
00:36:58,200 --> 00:37:00,839
Speaker 2: community asked their two cents. But first we said, would

815
00:37:00,840 --> 00:37:04,160
Speaker 2: you feel confident asking for a few hours at work? Interestingly,

816
00:37:04,280 --> 00:37:07,520
Speaker 2: eighteen percent of you said only if I had kids.

817
00:37:08,560 --> 00:37:11,080
Speaker 2: Sixty percent of you said absolutely, my well being matters,

818
00:37:11,200 --> 00:37:13,600
Speaker 2: Yes it does, queens, and twenty two percent of you

819
00:37:13,680 --> 00:37:17,040
Speaker 2: said no, way, wouldn't feel comfortable. The next question we

820
00:37:17,160 --> 00:37:19,200
Speaker 2: asked was what do you think about the advice to

821
00:37:19,440 --> 00:37:20,560
Speaker 2: just push through?

822
00:37:20,760 --> 00:37:23,600
Speaker 6: Hate it? Sorry, did we even address at all? I

823
00:37:23,680 --> 00:37:23,960
Speaker 6: hate it?

824
00:37:24,120 --> 00:37:28,040
Speaker 2: And you're good because eighty one percent of our community said,

825
00:37:28,200 --> 00:37:30,440
Speaker 2: terrible advice, terrible, terrible.

826
00:37:31,160 --> 00:37:33,360
Speaker 7: Nineteen percent of you said that's how I'd handle it.

827
00:37:34,640 --> 00:37:37,600
Speaker 7: Don't do that, okay, big dog, you just handle it.

828
00:37:38,080 --> 00:37:40,800
Speaker 2: That's terrible. You're the person that's going to head towards

829
00:37:40,840 --> 00:37:43,960
Speaker 2: burnout and burn out harder. So one out of ten

830
00:37:44,120 --> 00:37:47,560
Speaker 2: don't recommend that. And then obviously we said, girl, what

831
00:37:47,640 --> 00:37:52,239
Speaker 2: are your two cents? And you had some thoughts. Someone said,

832
00:37:52,400 --> 00:37:54,840
Speaker 2: I'm about to navigate this. I'll be actually asking my

833
00:37:55,000 --> 00:37:58,760
Speaker 2: GP for a medical certificate to help support me. Cool genius.

834
00:37:59,320 --> 00:38:01,960
Speaker 2: Someone else said, I reduced to nine days a fortnight

835
00:38:02,040 --> 00:38:05,040
Speaker 2: as a thirty year old. I love life now. It

836
00:38:05,160 --> 00:38:09,120
Speaker 2: was actually essential for my mental health. Someone else said,

837
00:38:09,239 --> 00:38:11,360
Speaker 2: you can just call fair Work and ask for advice

838
00:38:11,480 --> 00:38:15,759
Speaker 2: on advocating for reasonable accommodations. That is great advice. There

839
00:38:15,840 --> 00:38:17,680
Speaker 2: is so much support, Like you don't have to go

840
00:38:18,040 --> 00:38:20,239
Speaker 2: to your HR department or your boss, Like you can

841
00:38:20,280 --> 00:38:25,080
Speaker 2: work out what's feasible first, because that's power. Like imagine

842
00:38:25,120 --> 00:38:27,200
Speaker 2: getting to walk in and then they go not possible,

843
00:38:27,200 --> 00:38:28,680
Speaker 2: and you go, oh, I hate to do this, but

844
00:38:28,840 --> 00:38:31,480
Speaker 2: legally you have to work with me. Like I don't

845
00:38:31,480 --> 00:38:33,800
Speaker 2: want to be that guy, but I do know my rights.

846
00:38:34,080 --> 00:38:36,280
Speaker 6: I'm great to have like a record or a document

847
00:38:36,360 --> 00:38:38,640
Speaker 6: that you've spoken to Fair Work because if anything does

848
00:38:38,680 --> 00:38:40,000
Speaker 6: go wrong and you do need to lean on that

849
00:38:40,120 --> 00:38:42,360
Speaker 6: you can say, well, I was proactive, I took that

850
00:38:42,440 --> 00:38:43,279
Speaker 6: approach ahead of time.

851
00:38:43,520 --> 00:38:46,920
Speaker 2: Yeah yeah. Someone else said, empathizing with you, I'm also

852
00:38:47,160 --> 00:38:51,479
Speaker 2: are you DHD? And I find the five day work week,

853
00:38:51,600 --> 00:38:54,399
Speaker 2: a lot, no advice, just lots of empathy. You guys

854
00:38:54,520 --> 00:38:58,239
Speaker 2: both raised eyebrows. That is a combination of autistic and

855
00:38:58,320 --> 00:39:03,439
Speaker 2: ADHD together, which comorbidity in those conditions is incredibly high. Right,

856
00:39:04,040 --> 00:39:06,399
Speaker 2: kind of cool though, Yeah, when you're a little bit nearer,

857
00:39:06,480 --> 00:39:09,879
Speaker 2: spicy runs deep. I was laughing because, like a couple

858
00:39:09,960 --> 00:39:14,000
Speaker 2: of my friends diagnote complete side note, I am ADHD.

859
00:39:14,520 --> 00:39:16,879
Speaker 2: I haven't been diagnosed with anything else. But a couple

860
00:39:16,920 --> 00:39:20,600
Speaker 2: of my friends who've been diagnosed with ADHD got their medication,

861
00:39:20,800 --> 00:39:24,120
Speaker 2: started taking their medication, and then realized they were also autistic,

862
00:39:24,800 --> 00:39:27,520
Speaker 2: which is not funny, but it is quite funny because

863
00:39:27,560 --> 00:39:30,320
Speaker 2: like your ADHD symptoms off the mask, what else is

864
00:39:30,400 --> 00:39:32,759
Speaker 2: going on short out the ADHD and you're like, oh,

865
00:39:32,840 --> 00:39:37,080
Speaker 2: there's another thing hiding under here. Really really common. Someone

866
00:39:37,160 --> 00:39:40,000
Speaker 2: else said, don't over explain, make the request and provide

867
00:39:40,239 --> 00:39:41,280
Speaker 2: just enough information.

868
00:39:41,560 --> 00:39:43,200
Speaker 6: Fair you only have to share what you're company with.

869
00:39:43,640 --> 00:39:45,880
Speaker 2: And then someone else said, I thought this was quite funny.

870
00:39:46,040 --> 00:39:48,759
Speaker 2: She said, it is terrible advice to just push through,

871
00:39:49,280 --> 00:39:51,279
Speaker 2: but let's be honest, that's how i'd handle it.

872
00:39:51,520 --> 00:39:53,360
Speaker 5: Oh, yeah, I know, I get that.

873
00:39:53,640 --> 00:39:55,360
Speaker 2: Yeah, I feel like so many of us do that,

874
00:39:55,440 --> 00:39:58,680
Speaker 2: but you don't have to put yourself first. You're impacting

875
00:39:58,840 --> 00:40:01,239
Speaker 2: so many parts of your life by not making sure

876
00:40:01,280 --> 00:40:04,040
Speaker 2: that you're well. Like if you're not well, how are

877
00:40:04,040 --> 00:40:06,600
Speaker 2: you giving your best? You can't pull from an empty

878
00:40:06,680 --> 00:40:09,440
Speaker 2: cup completely. Someone else said, I asked to drop from

879
00:40:09,480 --> 00:40:11,239
Speaker 2: five days to three and a half days a week,

880
00:40:11,320 --> 00:40:14,600
Speaker 2: and it has mentally saved me. Someone else said, I

881
00:40:14,719 --> 00:40:17,000
Speaker 2: love this advice you don't ask, you don't get.

882
00:40:17,520 --> 00:40:19,279
Speaker 6: Should we need to put that on a T shirt? Yeah?

883
00:40:19,320 --> 00:40:20,920
Speaker 6: Really need to be somewhere.

884
00:40:20,800 --> 00:40:23,040
Speaker 2: Exactly, And I feel like that's probably a good place

885
00:40:23,080 --> 00:40:25,040
Speaker 2: to leave it, to be honest, Like, you don't ask,

886
00:40:25,280 --> 00:40:26,120
Speaker 2: you don't get?

887
00:40:26,320 --> 00:40:30,760
Speaker 4: Yeah, very true that the anxiety around asking and feeling

888
00:40:30,880 --> 00:40:32,840
Speaker 4: like crap after even if you whether you got your

889
00:40:32,880 --> 00:40:34,799
Speaker 4: way or not, that'll fade.

890
00:40:34,640 --> 00:40:38,640
Speaker 2: And you'll be left with a beautiful nine day, fortnight exactly.

891
00:40:38,719 --> 00:40:42,759
Speaker 2: But also I think defining here what anxiety is, anxiety

892
00:40:43,080 --> 00:40:46,279
Speaker 2: is the fear of the unknown, right, Like anxiety is

893
00:40:46,520 --> 00:40:50,759
Speaker 2: being worried about something that might not happen, Like, as

894
00:40:50,840 --> 00:40:53,160
Speaker 2: I've said on this podcast before, what's the worst thing

895
00:40:53,280 --> 00:40:56,040
Speaker 2: that never happened to you? And I think that helps

896
00:40:56,080 --> 00:40:59,000
Speaker 2: me a lot because as somebody who takes anti anxiety medication.

897
00:40:59,160 --> 00:41:01,880
Speaker 2: I feel like I'm very well spoken in this space,

898
00:41:02,239 --> 00:41:06,439
Speaker 2: but often we ruminate in our own heads and make

899
00:41:06,640 --> 00:41:08,719
Speaker 2: things much bigger than they actually are, and I mean

900
00:41:08,760 --> 00:41:10,960
Speaker 2: they're way worse at three am, right. But I think

901
00:41:11,040 --> 00:41:13,400
Speaker 2: the most important thing here is do all your research,

902
00:41:13,400 --> 00:41:15,520
Speaker 2: because the more information and the more education you have

903
00:41:15,600 --> 00:41:17,440
Speaker 2: about this, the more power you're going to have. So

904
00:41:17,840 --> 00:41:20,400
Speaker 2: talk to fair work, do some research background, read some

905
00:41:20,520 --> 00:41:24,560
Speaker 2: forums online about what there is available to you, and again,

906
00:41:24,840 --> 00:41:28,239
Speaker 2: lean on your sick cleave. It's there for you when

907
00:41:28,320 --> 00:41:31,200
Speaker 2: you're not well, and you're telling me that you're heading

908
00:41:31,239 --> 00:41:34,520
Speaker 2: towards burnout. So that's where we'll leave it. I hope

909
00:41:34,560 --> 00:41:36,800
Speaker 2: you guys have a beautiful weekend. I'll see you in

910
00:41:36,880 --> 00:41:40,279
Speaker 2: the morning for a little solo episode and then also

911
00:41:40,440 --> 00:41:42,520
Speaker 2: on Monday, bright and early for a money diary. So

912
00:41:42,920 --> 00:41:43,799
Speaker 2: have a good weekend, guys.

913
00:41:43,880 --> 00:41:44,960
Speaker 5: We love you, Bye guys.

914
00:41:45,120 --> 00:41:45,319
Speaker 3: Cy.

915
00:41:51,200 --> 00:41:53,720
Speaker 7: The advice shared on She's on the Money is general

916
00:41:53,800 --> 00:41:57,640
Speaker 7: in nature and does not consider your individual circumstances. She's

917
00:41:57,680 --> 00:42:01,120
Speaker 7: on the Money exists purely for education purposes and should

918
00:42:01,160 --> 00:42:04,320
Speaker 7: not be relied upon to make an investment or financial decision.

919
00:42:04,719 --> 00:42:07,200
Speaker 7: If you do choose to buy a financial product, read

920
00:42:07,200 --> 00:42:10,839
Speaker 7: the PDS TMD and obtain appropriate financial advice.

921
00:42:10,600 --> 00:42:11,880
Speaker 2: Tailored towards your needs.

922
00:42:12,280 --> 00:42:16,200
Speaker 7: Victoria, Divine and Sheese on the Money are authorized representatives

923
00:42:16,280 --> 00:42:19,440
Speaker 7: of Money Sherper Pty lt D a b N three

924
00:42:19,520 --> 00:42:22,759
Speaker 7: two one six four nine two seven seven zero eight

925
00:42:23,080 --> 00:42:25,600
Speaker 7: AFSL four five one two eight nine